My home owner's policy covers my tractors that are used "soley to maintain my property", which means it will not cover them if I take them off my property. Not even to the neighbor's house.
My agent also said it would be "iffy" if I were to drive them to another property I own.
This is not the same as a farm policy. He was quite upfront about that.
The ones I had to buy separate policies for are the ones I haul on a trailer to shows.
Those do not fall under a farm policy, or the HO policy.
It was not very expensive. I think it was roughly $1.00 per $1000 coverage. They had to take pictures of the condition and I had to estimate the value.
I was more worried about being in an accident and having one come off the trailer and causing injuries.
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